{"id":1135,"date":"2024-11-19T07:57:25","date_gmt":"2024-11-19T07:57:25","guid":{"rendered":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/11\/19\/judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka\/"},"modified":"2024-11-19T07:57:25","modified_gmt":"2024-11-19T07:57:25","slug":"judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka","status":"publish","type":"post","link":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/11\/19\/judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka\/","title":{"rendered":"Judrumas ir inovacijos: kaip \u201eKapital Bank\u201c kei\u010dia Azerbaid\u017eano finansin\u0119 aplink\u0105"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div><span class=\"wp-block-paragraph\"><\/p>\n<p>Vien b\u016bti pirm\u0105ja finans\u0173 institucija Azerbaid\u017eane neu\u017etenka, kad i\u0161siskirt\u0173 sausakim\u0161oje rinkoje. \u201eKapital Bank\u201c taip pat tampa vis lankstesnis reaguodamas \u012f tai, ko nori ir ko reikia klientams.<\/p>\n<p><\/span><\/p>\n<p>\u201eMes turime b\u016bti pirmuoju m\u016bs\u0173 klient\u0173 pasirinkimu\u201c, \u2013 sak\u0117 Faridas Huseynovas, valdybos pirmininkas ir generalinis direktorius. \u201eMes u\u017esitarnaujame j\u0173 pasitik\u0117jim\u0105 siekdami tobulumo visame, k\u0105 darome.<\/p>\n<p>Papras\u010diau tariant, banko konkurencinis prana\u0161umas atsiranda d\u0117l jo sugeb\u0117jimo derinti tradicijas per 150 met\u0173 istorij\u0105 su naujov\u0117mis. \u201eMes puikiai suprantame Azerbaid\u017eano rink\u0105 ir daug investavome \u012f skaitmenin\u0119 transformacij\u0105, kad i\u0161liktume priekyje\u201c, \u2013 prid\u016br\u0117 jis.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/11\/19\/judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka\/#Sekminga_skaitmenine_kelione\" >S\u0117kminga skaitmenin\u0117 kelion\u0117<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/11\/19\/judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka\/#Kad_judrumas_taptu_norma\" >Kad judrumas tapt\u0173 norma<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/11\/19\/judrumas-ir-inovacijos-kaip-kapital-bank-keicia-azerbaidzano-finansine-aplinka\/#Sutelkti_demesi_i_jo_esme\" >Sutelkti d\u0117mes\u012f \u012f jo esm\u0119<\/a><\/li><\/ul><\/nav><\/div>\n<h4 class=\"wp-block-heading\" id=\"h-a-successful-digital-journey\"><span class=\"ez-toc-section\" id=\"Sekminga_skaitmenine_kelione\"><\/span><strong>S\u0117kminga skaitmenin\u0117 kelion\u0117<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Ry\u0161kus pavyzdys \u2013 \u201eKapital Bank\u201c mobiliosios bankininkyst\u0117s program\u0117l\u0117 \u201eBirbank\u201c, pritaikyta fizini\u0173 asmen\u0173, MV\u012e ir dideli\u0173 korporacij\u0173 poreikiams tvarkyti savo finansus, atlikti mok\u0117jimus ir pervesti pinigus.<\/p>\n<p>\u201eTai daugiau nei tik banko program\u0117l\u0117\u201c, \u2013 sak\u0117 Huseynovas. \u201eTai pilna skaitmenin\u0117 ekosistema, sukurta siekiant supaprastinti kasdienius m\u016bs\u0173 klient\u0173 finansinius poreikius.<\/p>\n<p>Prad\u0117j\u0119s veikti 2018 m., iki 2021 m. \u201eBirbank\u201c tapo visi\u0161kai skaitmeniniu banku, tod\u0117l \u201eKapital Bank\u201c Azerbaid\u017eane gal\u0117jo prad\u0117ti teikti visapusi\u0161kus bankininkyst\u0117s produktus naudojant mobili\u0105j\u0105 program\u0117l\u0119.<\/p>\n<p>\u201eTai buvo tarsi atstatymas nuo nulio\u201c, &#8211; paai\u0161kino Huseynovas. \u201eM\u016bs\u0173 m\u0105stymas pasikeit\u0117 ir nuo 2021 m. t\u0119s\u0117me skaitmenin\u0119 transformacij\u0105, nuolat tobul\u0117dami pagal pasaulines tendencijas.<\/p>\n<p>Apie 3 milijonus vartotoj\u0173 liudija patirt\u012f ir kelion\u0119. Kartu jie padidino skaitmenini\u0173 ind\u0117li\u0173 portfel\u012f 600 mln. AZN 2024 m. iki \u0161iol iki 1,1 mlrd. AZN \u2013 augimas rodo klient\u0173 pasitik\u0117jim\u0105 skaitmenin\u0117s bankininkyst\u0117s sprendimu.<\/p>\n<p>Lojalumo programos yra dar vienas \u201eKapital Bank\u201c po\u017ei\u016brio \u012f klientus bruo\u017eas. D\u0117l j\u0173 2023\u20132024 m. buvo gauta daugiau nei 156 mln. AZN (91,8 mln. JAV doleri\u0173) gryn\u0173j\u0173 pinig\u0173, myli\u0173 ir premij\u0173 gr\u0105\u017einimo, o 2024 m. devyni\u0173 m\u0117nesi\u0173 grynasis pelnas siek\u0117 166 mln. AZN, o turtas \u2013 daugiau nei 10 mlrd.<\/p>\n<h4 class=\"wp-block-heading\" id=\"h-making-agility-the-norm\"><span class=\"ez-toc-section\" id=\"Kad_judrumas_taptu_norma\"><\/span><strong>Kad judrumas tapt\u0173 norma<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Pirmenyb\u0119 teikdamas judrumui savo veikloje ir strategijoje, \u201eKapital Bank\u201c taip pat suk\u016br\u0117 nauj\u0105 m\u0105stym\u0105 ir kult\u016br\u0105. Tai skatina bendradarbiavim\u0105, lankstum\u0105 ir nuolatin\u012f tobul\u0117jim\u0105 visoje organizacijoje, skatinant komandas prisiimti atsakomyb\u0119 u\u017e savo projektus, greitai prisitaikyti prie poky\u010di\u0173 ir i\u0161laikyti klientus sprendim\u0173 pri\u0117mimo centre.<\/p>\n<p>\u201e\u0160i kelion\u0117 taip pat pad\u0117jo pagrind\u0105 lankstesniam ir novatori\u0161kesniam paslaug\u0173 teikimui, didinant klient\u0173 patirt\u012f ir darbuotoj\u0173 \u012fsitraukim\u0105\u201c, \u2013 sak\u0117 Huseynovas.<\/p>\n<p>M\u0105stymas \u012f priek\u012f atsispindi automatizuotuose \u012frankiuose, kurie sukuria efektyvum\u0105. Bankas investavo \u012f technologijas, pvz., balso \u012f tekst\u0105 ir teksto \u012f bals\u0105 sistemas, suma\u017eindamas daugelio kasdieni\u0173 klient\u0173 s\u0105veik\u0173, pvz., telefono skambu\u010di\u0173, poreik\u012f, nes i\u0161spr\u0119st\u0173 problemas dar nepasiekus kliento, pvz., i\u0161 anksto prane\u0161a apie galim\u0105 potencial\u0105. rizika, pavyzd\u017eiui, korteli\u0173 blokavimas po \u012ftartin\u0173 operacij\u0173. Be to, \u012f dirbtin\u012f intelekt\u0105 integruotas pokalbi\u0173 robotas suteikia klientams pritaikytus atsakymus pagal j\u0173 elges\u012f ir poreikius.<\/p>\n<p>Verslo klientai taip pat gauna naudos i\u0161 post\u016bmio skaitmeninti. Pavyzd\u017eiui, mobilioji program\u0117l\u0117 Birbank Biznes leid\u017eia MV\u012e pasiekti savo s\u0105skaitas ir atlikti \u012fvairias finansines operacijas bet kada ir bet kur. Pavyzd\u017eiui, 99% vis\u0173 su skolinimu nesusijusi\u0173 operacij\u0173 atliekama nuotoliniu b\u016bdu, \u012fskaitant verslo paskolas iki 100 000 AZN.<\/p>\n<h4 class=\"wp-block-heading\" id=\"h-keeping-focused-on-its-core\"><span class=\"ez-toc-section\" id=\"Sutelkti_demesi_i_jo_esme\"><\/span><strong>Sutelkti d\u0117mes\u012f \u012f jo esm\u0119<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Siekdamas dar labiau sutelkti d\u0117mes\u012f \u012f teigiam\u0105 ind\u0117l\u012f \u012f savo nam\u0173 rink\u0105, Huseynovas sak\u0117, kad \u201eKapital Bank\u201c \u0161iuo metu neplanuoja pl\u0117stis u\u017e Azerbaid\u017eano rib\u0173.<\/p>\n<p>\u201eM\u016bs\u0173 \u0161alies bankininkyst\u0117s sektoriuje vis dar yra tiek daug augimo ir inovacij\u0173 potencialo, o m\u016bs\u0173 d\u0117mesys teb\u0117ra m\u016bs\u0173 \u017emoni\u0173 gerov\u0117s gerinimas teikiant \u012f klientus orientuotas paslaugas ir didinant bankininkyst\u0117s prieinamum\u0105 visoje \u0161alyje\u201c, \u2013 prid\u016br\u0117 jis.<\/p>\n<p>Tai apima pastangas stiprinti vietin\u0119 skaitmenin\u0119 ekosistem\u0105. Nauja lojalumo programa ruo\u0161iama pasi\u016blyti atlygius ir premijas, kaip ir naujas skaitmenines paslaugas, nuo mok\u0117jimo galimybi\u0173 iki naujovi\u0161k\u0173 produkt\u0173.<\/p>\n<p>Iki 2026 met\u0173 \u201eKapital Bank\u201c tikisi, kad daugiau nei 60% jo i\u0161duot\u0173 paskol\u0173 bus apdorota skaitmeniniu b\u016bdu. Ji taip pat naudoja pa\u017eangius vertinimo modelius ir naujus duomen\u0173 \u0161altinius, kad supaprastint\u0173 paskolos proces\u0105.<\/p>\n<p>Tai pavyzd\u017eiai, kaip \u201eKapital Bank\u201c siekia \u012fgyvendinti savo vizij\u0105 per ateinan\u010dius 5\u201310 met\u0173 \u2013 toliau priimti poky\u010dius ir inovacijas, prisitaikyti prie nauj\u0173 technologij\u0173 ir besikei\u010dian\u010di\u0173 klient\u0173 l\u016bkes\u010di\u0173. \u201eM\u016bs\u0173 \u012fsipareigojimas skaitmeninei transformacijai i\u0161lieka tvirtas ir siekiame toliau tobulinti savo produktus ir paslaugas, kad atitikt\u0173 greitai besivystan\u010dios finans\u0173 ekosistemos poreikius\u201c, \u2013 prid\u016br\u0117 Huseynovas.<\/p>\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><\/figure>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/gfmag.com\/banking\/agility-and-innovation-how-kapital-bank-is-transforming-azerbaijans-financial-landscape\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vien b\u016bti pirm\u0105ja finans\u0173 institucija Azerbaid\u017eane neu\u017etenka, kad i\u0161siskirt\u0173 sausakim\u0161oje rinkoje. \u201eKapital Bank\u201c taip pat tampa vis lankstesnis reaguodamas \u012f tai, ko nori ir ko reikia klientams. \u201eMes turime b\u016bti pirmuoju m\u016bs\u0173 klient\u0173 pasirinkimu\u201c, \u2013 sak\u0117 Faridas Huseynovas, valdybos pirmininkas ir generalinis direktorius. \u201eMes u\u017esitarnaujame j\u0173 pasitik\u0117jim\u0105 siekdami tobulumo visame, k\u0105 darome. Papras\u010diau tariant, banko [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1136,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[2180,2179,621,29,1271,2177,27,2131,2178],"class_list":["post-1135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-aplinka","tag-azerbaidzano","tag-bank","tag-finansine","tag-inovacijos","tag-judrumas","tag-kaip","tag-kapital","tag-keicia"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/1135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/comments?post=1135"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/1135\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media\/1136"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media?parent=1135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/categories?post=1135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/tags?post=1135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}